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Data through Q3 2026 · 4,200 institutions
Regulatory profile
West Union, WV · FDIC certificate #2452
WEST UNION BANK is an FDIC-insured institution based in West Union, WV (FDIC certificate #2452). In its Q3 2026 Call Report it reported total assets of $293M, total deposits of $263M and net loans of $154M. Its primary federal regulator is FDIC.
Plain-language readout
WEST UNION BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $303M in Q1 2026 and were lowest at $293M in Q3 2026.
Total deposits were highest at $275M in Q1 2026 and lowest at $263M in Q3 2026.
Over the whole period total assets fell 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $293M | $263M | $154M | 1.07% | 16.88% | 3.70% |
| Q2 2026 | $300M | $264M | $154M | 1.03% | 15.83% | 3.62% |
| Q1 2026 | $303M | $275M | $146M | 1.05% | 16.32% | 3.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.2M | $13.5M | -$7.4M | -54.3% |
| Federal funds sold | $68K | $403K | -$335K | -83.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $128.7M | $132.5M | -$3.8M | -2.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $153.5M | $145.8M | +$7.8M | +5.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.7M | $2.8M | -$37K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.1M | $8.3M | +$847K | +10.2% |
| Total assets | $300.3M | $303.3M | -$3.0M | -1.0% |
| Liabilities | ||||
| Total deposits | $263.7M | $275.1M | -$11.4M | -4.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $6.4M | $7.1M | -$625K | -8.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $9.0M | $139K | +$8.9M | +6395.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.3M | $1.3M | -$18K | -1.4% |
| Total liabilities | $280.5M | $283.6M | -$3.1M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $300K | $300K | $0K | 0.0% |
| Retained earnings | $26.4M | $25.6M | +$757K | +3.0% |
| Accumulated other comprehensive income | -$7.1M | -$6.5M | -$619K | -9.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.9M | $19.7M | +$138K | +0.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $210K | $1.4M | -$1.2M | -84.8% |
| Adjusted nonperforming assets | $210K | $1.4M | -$1.2M | -84.8% |
| Tangible equity plus allowance | $21.9M | $21.6M | +$305K | +1.4% |
| Texas ratio (gross) | 0.96% | 6.39% | -5.43 pts | See points |
| Texas ratio (adjusted) | 0.96% | 6.39% | -5.43 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.30% | 6.39% | -0.10 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.99% | 14.17% | -0.18 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.99% | 14.17% | -0.18 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.09% | 1.05% | +0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.08% | 15.21% | -0.14 pts | See points |
| Tier 1 leverage (approximate) | 8.73% | 8.50% | +0.24 pts | See points |
| Construction and land loans to total capital | 10.01% | 1.59% | +8.42 pts | See points |
| Commercial real estate to total capital | 209.28% | 207.24% | +2.04 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -35.63% | -33.47% | -2.17 pts | See points |
| Liquidity | ||||
| Core deposits | $237.4M | $246.3M | -$8.9M | -3.6% |
| Non-core funding | $41.8M | $36.0M | +$5.8M | +16.2% |
| Loans to core deposits | 65.53% | 59.94% | +5.59 pts | See points |
| Loans to deposits | 58.98% | 53.67% | +5.32 pts | See points |
| Brokered deposits share of deposits | 0.95% | 0.00% | +0.95 pts | See points |
| Pledged securities share of securities | 62.80% | 63.00% | -0.20 pts | See points |
| Loans pledged, share of loans | 60.90% | 61.61% | -0.70 pts | See points |
| Volatile liabilities | $41.8M | $36.0M | +$5.8M | +16.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.2M | +$1.2M | +105.1% |
| Earnings before provision, single quarter | $1.2M | $1.2M | +$59K | +5.1% |
| Provision for credit losses, year to date | $492K | $194K | +$298K | +153.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.09% | 6.02% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 3.51% | +0.29 pts | See points |
| Total interest income to average assets | 4.66% | 4.64% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.75% | 0.70% | +0.06 pts | See points |
| Cost of savings and money market deposits | 1.01% | 0.98% | +0.02 pts | See points |
| Cost of time deposits | 3.53% | 3.84% | -0.31 pts | See points |
| Total interest expense to average assets | 1.26% | 1.34% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $293M | $263M | $154M | 1.07% | 16.88% | 3.70% |
| 2026-06-30 | $300M | $264M | $154M | 1.03% | 15.83% | 3.62% |
| 2026-03-31 | $303M | $275M | $146M | 1.05% | 16.32% | 3.55% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $266.8M | 0.57% | 31 | Continuing · +0.07 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.